How to get a Discover CLI?

Agent_Alex · ‎10-28-2017

I had chapter 7 BK in September 2016. November 1st, 2016 I applied for a Discover It and got approved for $1,800.

I have put around $15-20k on it on and off within the last year since I have had it. I usually pay the balance off that month or keep it going for 2-3 months and make large payments. In April 2017 they gave me a measly $200 Auto CLI and that has been it. I have tried multiple times for a CLI but haven't gotten anything.

Their FICO scoreboard shows I am at 642 - and it was around 605 when I got the card.

Any advice on how to get another CLI?

Discover IT Miles ($4,700); Discover IT ($4,300); Apple Card ($4,000); Bestbuy Visa ($2,900); Capital One QS1 ($750); CreditOne Visa ($1,450); Caesars Rewards Visa ($1,000); B&H Photo ($250); CreditOne MC ($1,100); Walmart ($2,500); Kohls ($700); Genesis Raymour & Flanigan ($4,000); Venmo Visa Card ($250); PayPal Visa ($1,000); Target ($2,300)

AverageJoesCredit · ‎10-28-2017

Pray

AverageJoesCredit · ‎10-28-2017

Seriously, NO ONE knows how to get a cli from them and if spending 15-20k through it doesnt do it, the only thing you might try is to NOT use it. They are that weird.

Agent_Alex · ‎10-28-2017

LMAO! I will give it a try. I have literally tried everything to get a decent increase. Im sick of paying it 2x a month. Im blacklisted from CapitalOne and Barclay... not even going to try Chase, Citi or Amex. So this is my only major card I can use places.

Discover IT Miles ($4,700); Discover IT ($4,300); Apple Card ($4,000); Bestbuy Visa ($2,900); Capital One QS1 ($750); CreditOne Visa ($1,450); Caesars Rewards Visa ($1,000); B&H Photo ($250); CreditOne MC ($1,100); Walmart ($2,500); Kohls ($700); Genesis Raymour & Flanigan ($4,000); Venmo Visa Card ($250); PayPal Visa ($1,000); Target ($2,300)

AverageJoesCredit · ‎10-28-2017

Wow, yeah that stinks. Your scores rising. Any chance you can access Navy Federal?. The only think with Discover is to keep hitting the cli button and hope. Ive noticed you list a Credit One card in siggy and obviously not something youll really use but hopefully can release once you get a better card.

AverageJoesCredit · ‎10-28-2017

Have you tried to check the prequals on Cap One yet? Even when you burn them, i understand they are sometimes the first to let you back in. Its been a year so id think something could be there for ya. Also have you pulled your 3 true Fico scores yet?

mongstradamus · ‎10-28-2017

Discover sometimes like to see a long period of good credit history, it took me a really really long time to get discover cli at first , but then every three months they would give me a cli until i think i hit my limit where i am at now.

EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

Anonymous · ‎10-28-2017

@AverageJoesCredit wrote:
Pray

agree! 😂... i havent figured it out either so dont feel bad though i definitely havnt put as much spend as you! geesh

Anonymous · ‎10-28-2017

I would say that it's a damned blessing and act of god that you even got the card after only 2 months from filing chap 7.

Discover is doing you a wicked favor. Currently, that bankruptcy is not even 2 years old, which is how long a measly inquiry stays on for.

You are going to have to do the hardest thing and that is wait. Your bankruptcy over time will become less effective but right now you are a serious risk and again is just crazy that discover did that. Good for you, you should be very loyal to them. Just keep showing them great spend and pay habits and after some time I am sure the disco train will stop in your town.

Good Luck to you!

AverageJoesCredit · ‎10-28-2017

Thats Discover for you though. There are those fresh out of bk who get huge limits while others with good credit get squat. Headscratcher for sure.